End-to-end resource visibility and tracking system

ABSTRACT

Embodiments of the invention are directed to a system, method, or computer program product for end-to-end resource visibility and tracking. In this way, an electronic tag is generated and distributed on a block chain network. The tag may identify a resource set and ultimately integrate with downstream systems for visualization of resource deposits and distributions within the bag. In this way, the invention provides a tool for a single source platform for tracking of status checks and digitized resource chain monitoring network. In this way, the invention creates a complete end-to-end digital fingerprint of physical resource tracking during a life cycle utilizing block chain technology with a distributed ledger to identify each touch point of the life cycle.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. Provisional PatentApplication Ser. No. 62/751,138, filed Oct. 26, 2018 entitled “Systemfor Resource Visibility,” the entirety of which is incorporated hereinby reference.

BACKGROUND

Present conventional systems do not have the capability to allow a userto track resource distribution and deposits from conception throughsupply chain. Currently, manual sorting of resources is performed andportions of the resource supply chain are not visible. As such, thereexists a need for a system to perform tagging and tracking of resourcedistribution and resource exchange through the supply chain.

BRIEF SUMMARY

The following presents a simplified summary of one or more embodimentsof the invention in order to provide a basic understanding of suchembodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments, nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments in a simplified form as a prelude to the more detaileddescription that is presented later.

Embodiments of the present invention address these and/or other needs byproviding an innovative system, method and computer program product forresource visibility and entity resource exchange systems.

The resource visibility system comprise a standardized across entitysystem for the ability for user entities, such as commercial customersto create an electronic deposit ticket from a mobile application,generation of a tag associated with a bag and identifying the bag, andultimately integrate with downstream systems for scanning of the tag forvisualization of resource deposits and distributions from the user. Inthis way, the invention provides a tool for a single source for users totrack deposits status and track performance of armored carriers and thelike. In this way, the resource visibility system provides a digitizedresource or cash supply chain monitoring network. As such, creating acomplete end-to-end digital fingerprint of where physical currency isduring its life cycle at the bag level. The system may utilize blockchain technology with a distributed ledger to identify each location ofthe bag during the life cycle. This allows for regulatory compliance andtracking of the bags. The invention provides standards that apply supplychain logistics and tools that entities and financial institutions mayutilize without paper manifests or deposit tickets. Instead, theinvention creates a tag, such as a bar code, QR code, RFID tag, or thelike that can be scanned and reconciled against an electronic shippingmanifest within a block chain network associated with the cash within abag. At the end of each day, the system may reconcile the distributedledger.

Embodiments of the invention comprise a system, method, and computerprogram product for an end-to-end distributed network tag, the inventioncomprising: authorizing a user for access to a platform tool forresource life cycle monitoring, wherein the platform tool displays datafrom a distributed network for touch point identification of theresource life cycle; identifying deployment of a tag on a resource set,wherein the tag is a standardized scannable tag, wherein upon initialdeployment the tag transmits resource information associated with theresource set to the distributed network; receiving scanning confirmationfrom the tag, wherein the scanning occurs at one or more of the touchpoints across the resource life cycle; generating a block for the touchpoint based on the scanning confirmation, wherein the block is added tothe distributed ledger for the resource life cycle monitoring andcomprises updated resource information associated with the resource set;and completing resource life cycle monitoring upon final distribution ofresources from the resource set.

In some embodiments, resource life cycle monitoring of the resource setcomprising physical currency at each of the touch points for anend-to-end identification of a location of the physical currency andprocessing stage of the physical currency.

In some embodiments, the invention further comprises providingregulatory compliance satisfaction materials via the platform tool andtransmit the regulator compliance satisfaction materials to theauthorized user.

In some embodiments, the invention further comprises gathering of theresource life cycle monitoring of multiple tags for identification ofprocessing delay or soft point trends in multiple resource setsend-to-end life cycle.

In some embodiments, the tag comprises sensors for transmission of dataupon being scanned at a touch point along the resource life cycle. Insome embodiments, the resource set is a set of multiple physicalcurrency from one or more owners within a bag. In some embodiments, thedeployment of a tag on the resource set comprises physically adheringthe tag to a bag associated with the resource set. In some embodiments,the standardized scannable tag is physically affixed to the resourceset, wherein the resource set comprises physical currency.

In some embodiments, the distributed network is a private distributedblock chain network for monitoring touch points across the resource setend-to-end of the resource life cycle.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, wherein:

FIG. 1 provides an intelligent resource visibility and exchange systemenvironment, in accordance with one embodiment of the present invention;

FIG. 2 provides an ATM system environment, in accordance with oneembodiment of the present invention;

FIG. 3 provides a resource distribution or deposit location interface,in accordance with one embodiment of the present invention;

FIG. 4A provides centralized database architecture environment, inaccordance with one embodiment of the present invention;

FIG. 4B provides a high level block chain system environmentarchitecture, in accordance with one embodiment of the presentinvention;

FIG. 5 provides a high level process flow illustrating node interactionwithin a block chain system environment architecture, in accordance withone embodiment of the present invention;

FIG. 6 provides a detailed process flow illustrating resourcevisibility, in accordance with one embodiment of the present invention;

FIG. 7 provides a detailed process flow illustrating end-to-end resourcetracking, in accordance with one embodiment of the present invention;

FIG. 8 provides a process map illustrating a lifecycle for resourcevisibility, in accordance with one embodiment of the present invention;

FIG. 9 provides a process map illustrating inputs for resourcevisibility, in accordance with one embodiment of the present invention;and

FIG. 10 provides a process map illustrating an entity resource exchangesystem, in accordance with one embodiment of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

A “user” as used herein may refer to any customer of an entity orindividual that interacts with an entity. In some embodiments, the usermay be an entity. In some embodiments, identities of an individual mayinclude online handles, usernames, aliases, family names, maiden names,nicknames, or the like. The user may interact with a financialinstitution as either a customer, supplier, entity or the like.Furthermore, as used herein the term “user device” or “mobile device”may refer to mobile phones, personal computing devices, tabletcomputers, wearable devices, and/or any portable electronic devicecapable of receiving and/or storing data therein.

As used herein, a “user interface” generally includes a plurality ofinterface devices and/or software that allow a customer to inputcommands and data to direct the processing device to executeinstructions. For example, the user interface may include a graphicaluser interface (GUI) or an interface to input computer-executableinstructions that direct the processing device to carry out specificfunctions. Input and output devices may include a display, mouse,keyboard, button, touchpad, touch screen, microphone, speaker, LED,light, joystick, switch, buzzer, bell, and/or other user input/outputdevice for communicating with one or more users.

A “transaction” or “resource distribution” refers to any communicationbetween a user and the financial institution or other entity to transferfunds for the purchasing or selling of a product. A transaction mayrefer to a purchase of goods or services, a return of goods or services,a payment transaction, a credit transaction, or other interactioninvolving a user's account. In the context of a financial institution, atransaction may refer to one or more of: a sale of goods and/orservices, initiating an automated teller machine (ATM) or online bankingsession, an account balance inquiry, a rewards transfer, an accountmoney transfer or withdrawal, opening a bank application on a user'scomputer or mobile device, a user accessing their e-wallet, or any otherinteraction involving the user and/or the user's device that isdetectable by the financial institution. A transaction may include oneor more of the following: renting, selling, and/or leasing goods and/orservices (e.g., groceries, stamps, tickets, DVDs, vending machine items,and the like); making payments to creditors (e.g., paying monthly bills;paying federal, state, and/or local taxes; and the like); sendingremittances; loading money onto stored value cards (SVCs) and/or prepaidcards; donating to charities; and/or the like.

In various embodiments, the point-of-transaction device (POT) may be orinclude a merchant machine and/or server and/or may be or include themobile device of the user may function as a point of transaction device.The embodiments described herein may refer to the use of a transaction,transaction event or point of transaction event to trigger the steps,functions, routines etc. described herein. In various embodiments,occurrence of a transaction triggers the sending of information such asalerts and the like. As used herein, a “bank account” refers to a creditaccount, a debit/deposit account, or the like. Although the phrase “bankaccount” includes the term “bank,” the account need not be maintained bya bank and may, instead, be maintained by other financial institutions.For example, in the context of a financial institution, a transactionmay refer to one or more of a sale of goods and/or services, an accountbalance inquiry, a rewards transfer, an account money transfer, openinga bank application on a user's computer or mobile device, a useraccessing their e-wallet or any other interaction involving the userand/or the user's device that is detectable by the financialinstitution. As further examples, a transaction may occur when an entityassociated with the user is alerted via the transaction of the user'slocation. A transaction may occur when a user accesses a building, usesa rewards card, and/or performs an account balance query. A transactionmay occur as a user's mobile device establishes a wireless connection,such as a Wi-Fi connection, with a point-of-sale terminal. In someembodiments, a transaction may include one or more of the following:purchasing, renting, selling, and/or leasing goods and/or services(e.g., groceries, stamps, tickets, DVDs, vending machine items, etc.);withdrawing cash; making payments to creditors (e.g., paying monthlybills; paying federal, state, and/or local taxes and/or bills; etc.);sending remittances; transferring balances from one account to anotheraccount; loading money onto stored value cards (SVCs) and/or prepaidcards; donating to charities; and/or the like.

In some embodiments, the transaction may refer to an event and/or actionor group of actions facilitated or performed by a user's device, such asa user's mobile device. Such a device may be referred to herein as a“point-of-transaction device”. A “point-of-transaction” could refer toany location, virtual location or otherwise proximate occurrence of atransaction. A “point-of-transaction device” may refer to any deviceused to perform a transaction, either from the user's perspective, themerchant's perspective or both. In some embodiments, thepoint-of-transaction device refers only to a user's device, in otherembodiments it refers only to a merchant device, and in yet otherembodiments, it refers to both a user device and a merchant deviceinteracting to perform a transaction. For example, in one embodiment,the point-of-transaction device refers to the user's mobile deviceconfigured to communicate with a merchant's point of sale terminal,whereas in other embodiments, the point-of-transaction device refers tothe merchant's point of sale terminal configured to communicate with auser's mobile device, and in yet other embodiments, thepoint-of-transaction device refers to both the user's mobile device andthe merchant's point of sale terminal configured to communicate witheach other to carry out a transaction.

In some embodiments, a point-of-transaction device is or includes aninteractive computer terminal that is configured to initiate, perform,complete, and/or facilitate one or more transactions. Apoint-of-transaction device could be or include any device that a usermay use to perform a transaction with an entity, such as, but notlimited to, an ATM, a loyalty device such as a rewards card, loyaltycard or other loyalty device, a magnetic-based payment device (e.g., acredit card, debit card, etc.), a personal identification number (PIN)payment device, a contactless payment device (e.g., a key fob), a radiofrequency identification device (RFID) and the like, a computer, (e.g.,a personal computer, tablet computer, desktop computer, server, laptop,etc.), a mobile device (e.g., a smartphone, cellular phone, personaldigital assistant (PDA) device, MP3 device, personal GPS device, etc.),a merchant terminal, a self-service machine (e.g., vending machine,self-checkout machine, etc.), a public and/or business kiosk (e.g., anInternet kiosk, ticketing kiosk, bill pay kiosk, etc.), a gaming device,and/or various combinations of the foregoing.

In some embodiments, a point-of-transaction device is operated in apublic place (e.g., on a street corner, at the doorstep of a privateresidence, in an open market, at a public rest stop, etc.). In otherembodiments, the point-of-transaction device is additionally oralternatively operated in a place of business (e.g., in a retail store,post office, banking center, grocery store, factory floor, and thelike). In accordance with some embodiments, the point-of-transactiondevice is not owned by the user of the point-of-transaction device.Rather, in some embodiments, the point-of-transaction device is owned bya mobile business operator or a point-of-transaction operator (e.g.,merchant, vendor, salesperson, and the like). In yet other embodiments,the point-of-transaction device is owned by the financial institutionoffering the point-of-transaction device providing functionality inaccordance with embodiments of the invention described herein.

Further, the term “payment credential” or “payment vehicle,” as usedherein, may refer to any of, but is not limited to refers to any of, butis not limited to, a physical, electronic (e.g., digital), or virtualtransaction vehicle that can be used to transfer money, make a payment(for a service or good), withdraw money, redeem or use loyalty points,use or redeem coupons, gain access to physical or virtual resources, andsimilar or related transactions. For example, in some embodiments, thepayment vehicle is a bank card issued by a bank which a customer may useto perform purchase transactions. However, in other embodiments, thepayment vehicle is a virtual debit card housed in a mobile device of thecustomer, which can be used to electronically interact with an automatedteller machine (ATM) or the like to perform financial transactions.Thus, it will be understood that the payment vehicle can be embodied asan apparatus (e.g., a physical card, a mobile device, or the like), oras a virtual transaction mechanism (e.g., a digital transaction device,digital wallet, a virtual display of a transaction device, or the like).

In some embodiments, information associated with the purchasetransaction is received from a POT including a point-of-sale (POS)terminal during a transaction involving a consumer and a merchant. Forexample, a consumer checking out at a retail merchant, such as a grocer,may provide to the grocer the one or more goods or products that he ispurchasing together with a payment method, loyalty card, and possiblypersonal information, such as the name of the consumer. This informationalong with information about the merchant may be aggregated or collectedat the POS terminal and routed to the system or server of the presentinvention or otherwise a third party affiliate of an entity managing thesystem of this invention. In other embodiments when the purchasetransaction occurs over the Internet, the information associated withthe purchase transaction is collected at a server providing an interfacefor conducting the Internet transaction. In such an embodiment, theconsumer enters product, payment, and possibly personal information,such as a shipping address, into the online interface, which is thencollected by the server. The server may then aggregate the transactioninformation together with merchant information and route the transactionand merchant information to the system of the present invention. It willbe further be understood that the information associated with thepurchase transaction may be received from any channel such as anautomated teller machine (ATM), Internet, peer-to-peer network, POS,and/or the like.

Embodiments of the present invention address these and/or other needs byproviding an innovative system, method and computer program product forresource visibility and entity resource exchange systems, and the like.

The invention further comprises an industry partnership betweenfinancial institutions, merchants, armored carriers, and governmentalagencies to digitize the cash supply chain. This invention includes aset of standards to apply the same supply chain logistics and tools thatthe retail, health care, food service and many other industries haveused to drive package/product handling efficiencies and reduce overallcosts and issues to the cash supply chain.

In some embodiments, the resource visibility provides a digitizedresource or cash supply chain monitoring. The invention providesstandards that apply supply chain logistics and tools that entities andfinancial institutions may utilize the cash supply chain without papermanifests or deposit tickets. Instead, the invention has a tag, such asa bar code, QR code, RFID tag, or the like that can be scanned andreconciled against an electronic shipping manifest associated with thecash.

The resource visibility further comprise the ability for user entities,such as commercial customers to create an electronic deposit ticket froma mobile application, scan and ID bag and ultimately integrate withdownstream systems for visualization of the resource deposits anddistributions from the user. In this way, the invention provides a toolfor a single source for users to track deposits status.

“Block chain” as used herein refers to a decentralized electronic ledgerof data records which are authenticated by a federated consensusprotocol. Multiple computer systems within the block chain, referred toherein as “nodes” or “compute nodes,” each comprise a copy of the entireledger of records. Nodes may write a data “block” to the block chain,the block comprising data regarding a transaction. In some embodiments,only miner nodes may write transactions to the block chain. In otherembodiments, all nodes have the ability to write to the block chain. Insome embodiments, the block may further comprise a time stamp and apointer to the previous block in the chain. In some embodiments, theblock may further comprise metadata indicating the node that was theoriginator of the transaction. In this way, the entire record oftransactions is not dependent on a single database which may serve as asingle point of failure; the block chain will persist so long as thenodes on the block chain persist. A “private block chain” is a blockchain in which only authorized nodes may access the block chain. In someembodiments, nodes must be authorized to write to the block chain. Insome embodiments, nodes must also be authorized to read from the blockchain. Once a transactional record is written to the block chain, itwill be considered pending and awaiting authentication by the minernodes in the block chain.

“Miner node” as used herein refers to a networked computer system thatauthenticates and verifies the integrity of pending transactions on theblock chain. The miner node ensures that the sum of the outputs of thetransaction within the block matches the sum of the inputs. In someembodiments, a pending transaction may require validation by a thresholdnumber of miner nodes. Once the threshold number of miners has validatedthe transaction, the block becomes an authenticated part of the blockchain. By using this method of validating transactions via a federatedconsensus mechanism, duplicate or erroneous transactions are preventedfrom becoming part of the accepted block chain, thus reducing the riskof data record tampering and increasing the security of the transactionswithin the system.

A “block” as used herein may refer to one or more records of a file witheach record comprising data for transmission to a server. In someembodiments, the term record may be used interchangeably with the termblock to refer to one or more transactions or data within a file beingtransmitted.

The resource visibility system comprise a standardized across entitysystem for the ability for user entities, such as commercial customersto create an electronic deposit ticket from a mobile application,generation of a tag associated with a bag and identifying the bag, andultimately integrate with downstream systems for scanning of the tag forvisualization of resource deposits and distributions from the user. Inthis way, the invention provides a tool for a single source for users totrack deposits status and track performance of armored carriers and thelike. In this way, the resource visibility system provides a digitizedresource or cash supply chain monitoring network. As such, creating acomplete end-to-end digital fingerprint of where physical currency isduring its life cycle at the bag level. The system may utilize blockchain technology with a distributed ledger to identify each location ofthe bag during the life cycle. This allows for regulatory compliance andtracking of the bags. The invention provides standards that apply supplychain logistics and tools that entities and financial institutions mayutilize without paper manifests or deposit tickets. Instead, theinvention creates a tag, such as a bar code, QR code, RFID tag, or thelike that can be scanned and reconciled against an electronic shippingmanifest within a block chain network associated with the cash within abag. At the end of each day, the system may reconcile the distributedledger.

FIG. 1 illustrates an intelligent resource visibility and exchangesystem environment 200, in accordance with one embodiment of the presentinvention. FIG. 1 provides the system environment 200 for which thedistributive network system with specialized data feeds associated witherror diagnosis document processing. FIG. 1 provides a unique systemthat includes specialized servers and system communicably linked acrossa distributive network of nodes required to perform the functionsdescribed herein.

As illustrated in FIG. 1, the entity server 208 is operatively coupled,via a network 201 to the user device 204, ATM 205, third party servers207, block chain distributed network system 209, and to the resourcevisibility system 206. In this way, the entity server 208 can sendinformation to and receive information from the user device 204, ATM205, third party servers 207, block chain distributed network system209, and the resource visibility system 206. FIG. 1 illustrates only oneexample of an embodiment of the system environment 200, and it will beappreciated that in other embodiments one or more of the systems,devices, or servers may be combined into a single system, device, orserver, or be made up of multiple systems, devices, or servers.

The network 201 may be a system specific distributive network receivingand distributing specific network feeds and identifying specific networkassociated triggers. The network 201 may also be a global area network(GAN), such as the Internet, a wide area network (WAN), a local areanetwork (LAN), or any other type of network or combination of networks.The network 201 may provide for wireline, wireless, or a combinationwireline and wireless communication between devices on the network 201.

In some embodiments, the user 202 is an individual or entity that hasone or more user devices 204 and is a customer of a financialinstitution exchanging or distributing resources. In some embodiments,the user 202 has a user device, such as a mobile phone, tablet,computer, or the like. FIG. 1 also illustrates a user device 204. Theuser device 204 may be, for example, a desktop personal computer,business computer, business system, business server, business network, amobile system, such as a cellular phone, smart phone, personal dataassistant (PDA), laptop, or the like. The user device 204 generallycomprises a communication device 212, a processing device 214, and amemory device 216. The processing device 214 is operatively coupled tothe communication device 212 and the memory device 216. The processingdevice 214 uses the communication device 212 to communicate with thenetwork 201 and other devices on the network 201, such as, but notlimited to the resource visibility system 206, the entity server 208,and the third party sever 207. As such, the communication device 212generally comprises a modem, server, or other device for communicatingwith other devices on the network 201.

The user device 204 comprises computer-readable instructions 220 anddata storage 218 stored in the memory device 216, which in oneembodiment includes the computer-readable instructions 220 of a userapplication 222. In some embodiments, the user application 222 allows auser 202 to send and receive communications with the resource visibilitysystem 206.

As further illustrated in FIG. 1, the resource visibility system 206generally comprises a communication device 246, a processing device 248,and a memory device 250. As used herein, the term “processing device”generally includes circuitry used for implementing the communicationand/or logic functions of the particular system. For example, aprocessing device may include a digital signal processor device, amicroprocessor device, and various analog-to-digital converters,digital-to-analog converters, and other support circuits and/orcombinations of the foregoing. Control and signal processing functionsof the system are allocated between these processing devices accordingto their respective capabilities. The processing device may includefunctionality to operate one or more software programs based oncomputer-readable instructions thereof, which may be stored in a memorydevice.

The processing device 248 is operatively coupled to the communicationdevice 246 and the memory device 250. The processing device 248 uses thecommunication device 246 to communicate with the network 201 and otherdevices on the network 201, such as, but not limited to the entityserver 208, the third party server 207, the ATM 205, and the user device204. As such, the communication device 246 generally comprises a modem,server, or other device for communicating with other devices on thenetwork 201.

As further illustrated in FIG. 1, the resource visibility system 206comprises computer-readable instructions 254 stored in the memory device250, which in one embodiment includes the computer-readable instructions254 of an application 258. In some embodiments, the memory device 250includes data storage 252 for storing data related to the systemenvironment 200, but not limited to data created and/or used by theapplication 258.

In one embodiment of the resource visibility system 206 the memorydevice 250 stores an application 258. In one embodiment of theinvention, the application 258 may associate with applications havingcomputer-executable program code. Furthermore, the resource visibilitysystem 206, using the processing device 248 codes certain communicationfunctions described herein. In one embodiment, the computer-executableprogram code of an application associated with the application 258 mayalso instruct the processing device 248 to perform certain logic, dataprocessing, and data storing functions of the application. Theprocessing device 248 is configured to use the communication device 246to communicate with and ascertain data from one or more entity server208, third party servers 207, ATM 205, block chain distributed networksystem 209, and/or user device 204.

As illustrated in FIG. 1, the third party server 207 is connected to theentity server 208, user device 204, ATM 205, block chain distributednetwork system 209, and resource visibility system 206. The third partyserver 207 has the same or similar components as described above withrespect to the user device 204 and the resource visibility system 206.While only one third party server 207 is illustrated in FIG. 1, it isunderstood that multiple third party servers 207 may make up the systemenvironment 200. The third party server 207 may be associated with oneor more financial institutions, entities, or the like.

As illustrated in FIG. 1, the ATM 205 is connected to the entity server208, user device 204, third party server 207, block chain distributednetwork system 209, and resource visibility system 206. The ATM 205 hasthe same or similar components as described above with respect to theuser device 204 and the resource visibility system 206. While only oneATM 205 is illustrated in FIG. 1, it is understood that multiple ATM 205may make up the system environment 200.

As illustrated in FIG. 1, the entity server 208 is connected to thethird party server 207, user device 204, ATM 205, block chaindistributed network system 209, and resource visibility system 206. Theentity server 208 may be associated with the resource visibility system206. The entity server 208 has the same or similar components asdescribed above with respect to the user device 204 and the resourcevisibility system 206. While only one entity server 208 is illustratedin FIG. 1, it is understood that multiple entity server 208 may make upthe system environment 200. It is understood that the servers, systems,and devices described herein illustrate one embodiment of the invention.It is further understood that one or more of the servers, systems, anddevices can be combined in other embodiments and still function in thesame or similar way as the embodiments described herein. The entityserver 208 may generally include a processing device communicablycoupled to devices as a memory device, output devices, input devices, anetwork interface, a power source, one or more chips, and the like. Theentity server 208 may also include a memory device operatively coupledto the processing device. As used herein, memory may include anycomputer readable medium configured to store data, code, or otherinformation. The memory device may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory device may also includenon-volatile memory, which can be embedded and/or may be removable. Thenon-volatile memory may additionally or alternatively include anelectrically erasable programmable read-only memory (EEPROM), flashmemory or the like.

The memory device may store any of a number of applications or programswhich comprise computer-executable instructions/code executed by theprocessing device to implement the functions of the entity server 208described herein.

As further illustrated in FIG. 1, the block chain distributed networksystem 209 comprises computer-readable instructions stored in the memorydevice, which in one embodiment includes the computer-readableinstructions of a resource application. In some embodiments, the memorydevice includes data storage for storing data related to the systemenvironment.

Embodiments of the block chain distributed network system 209 mayinclude multiple systems, servers, computers or the like maintained byone or many entities. FIG. 1 merely illustrates one of those systemsthat, typically, interacts with many other similar systems to form theblock chain. The block chain distributed network system 209 will beoutlined below in more detail with respect to FIGS. 4-5. In someembodiments, the resource visibility system 206206 may be part of theblock chain. Similarly, in some embodiments, the block chain distributednetwork system 209 is part of the resource visibility system 206. Inother embodiments, the resource visibility system 206 is distinct fromthe block chain distributed network system 209.

In one embodiment of the block chain distributed network system 209 thememory device stores, but is not limited to, a resource application anda distributed ledger. In some embodiments, the distributed ledger storesdata including, but not limited to, the block chains for resourcerequesting, generating, and completing.

In one embodiment of the invention, both the resource application andthe distributed ledger may associate with applications havingcomputer-executable program code that instructs the processing device tooperate the network communication device to perform certaincommunication functions involving described herein. In one embodiment,the computer-executable program code of an application associated withthe distributed ledger and resource application may also instruct theprocessing device to perform certain logic, data processing, and datastoring functions of the application.

The processing device is configured to use the communication device togather data, such as data corresponding to transactions, blocks or otherupdates to the distributed ledger from various data sources such asother block chain network system. The processing device stores the datathat it receives in its copy of the distributed ledger stored in thememory device.

Using the intelligent resource visibility and exchange systemenvironment 200 illustrated in FIG. 1, the invention comprisesperforming resource visibility and entity resource exchange. In someembodiments, the invention may utilize a resource distribution ordeposit location. The resource distribution or deposit locations mayinclude a financial institution, entity, ATM or the like. FIGS. 2 and 3depict a resource distribution or deposit location. While FIGS. 2 and 3illustrate an ATM, one of ordinary skill in the art will appreciate thatone or more of the devices or systems illustrated are necessary devicesfor any resource distribution or deposit locations.

FIG. 2 illustrates an ATM system environment 500, in accordance withembodiments of the present invention. As illustrated in FIG. 2, the ATM205 includes a communication interface 510, a processor 520, a userinterface 530, and a memory 540 having an ATM datastore 542 and an ATMapplication 544 stored therein. As shown, the processor 520 isoperatively connected to the communication interface 510, the userinterface 530, and the memory 540.

The communication interface 510 of the ATM may include a marker codetriggering module 515. The marker code triggering module 515 isconfigured to authorize a user via contact, contactless, and/or wirelessinformation communication regarding the pin code or marker code inputtedby the user. The marker code triggering module 515 may include atransmitter, receiver, smart card, key card, proximity card, radiofrequency identification (RFID) tag and/or reader, and/or the like. Insome embodiments, the marker code triggering module 515 communicatesinformation via radio, IR, and/or optical transmissions. Generally, themarker code triggering module 515 is configured to operate as atransmitter and/or as a receiver. The marker code triggering module 515functions to enable transactions with users using the ATM viaidentification of the user via physical authentication, contactlessauthorization, or the like. Also, it will be understood that the markercode triggering module 515 may be embedded, built, carried, and/orotherwise supported in and/or on the ATM 205. In some embodiments, themarker code triggering module 515 is not supported in and/or on the ATM205, but the marker code triggering module 515 is otherwise operativelyconnected to the ATM 205 (e.g., where the marker code triggering module515 is a peripheral device plugged into the ATM 205 or the like).

The communication interface 510 may generally also include a modem,server, transceiver, and/or other device for communicating with otherdevices and systems on a network.

The user interface 530 of the ATM 205 may include a display (e.g., aliquid crystal display, a touchscreen display, and/or the like) which isoperatively coupled to the processor 520. The user interface 530 mayinclude any number of other devices allowing the ATM 205 totransmit/receive data to/from a user, such as a keypad, keyboard,touch-screen, touchpad, microphone, mouse, joystick, other pointerdevice, button, soft key, and/or other input device(s).

As further illustrated in FIG. 2, the memory 540 may include ATMapplications 544. It will be understood that the ATM applications 544can be executable to initiate, perform, complete, and/or facilitate oneor more portions of any embodiment described and/or contemplated herein.Generally, the ATM application 544 is executable to receive transactioninstructions from the user and perform typical ATM functions, asappreciated by those skilled in the art. In some embodiments of theinvention, the ATM application is configured to access content, such asdata stored in memory, for example in the ATM datastore 542, or adatabase in communication with the ATM 205 and may transfer the contentto the external apparatus if the external apparatus is configured forATM communication.

Of course, the ATM 205 may require users to identify and/or authenticatethemselves to the ATM 205 before the ATM 205 will initiate, perform,complete, and/or facilitate a transaction. For example, in someembodiments, the ATM 205 is configured (and/or the ATM application 544is executable) to authenticate an ATM user based at least partially onan ATM debit card, smart card, token (e.g., USB token, or the like),username, password, pin, biometric information, and/or one or more othercredentials that the user presents to the ATM 205. Additionally oralternatively, in some embodiments, the ATM 205 is configured toauthenticate a user by using one-, two-, or multi-factor authentication.For example, in some embodiments, the ATM 205 requires two-factorauthentication, such that the user must provide a valid debit card andenter the correct pin associated with the debit card in order toauthenticate the user to the ATM 205. However, in some embodiments, theuser may access the ATM 205 and view or receive content that may betransferred to/from the ATM 205.

FIG. 3 is an interface illustrating an ATM 600, in accordance withembodiments of the present invention. While an ATM is presented in FIG.3, the device may be any resource distribution or deposit location suchas an ATM, transaction device, kiosk, terminal, merchant location,online interface, financial institution interface, or the like. FIG. 3provides a representative illustration of an ATM, in accordance with oneembodiment of the present invention. In some embodiments, therepresentative ATM may comprise features similar to features found on astandard ATM. The lighting means 608 may be located above the display602 that may provide a customer light for use during an ATM transaction.Of note, the display 602 may be vertically adjusted or horizontallyadjusted along tracks or the like to position itself across the entireATM. While currently illustrated in the upper left corner of the ATM,one will appreciate that the display may move to the right upper corneror below to the lower corners of the ATM and/or anywhere in between ifnecessary. The lighting means 608 may also be moved with the ATM display602 and provide the customer a safety mechanism to aid in the ATMtransaction.

The cash receptacle 606 may provide the customer means for receivingcash that the customer requests for withdraw through the ATMtransaction. In some embodiments, the ATM may also include a contactlessidentification sensor 612, a contact identification sensor 614 such as adebit or ATM card acceptor, a keypad 604, a receipt receptacle 610, anda deposit receptacle 616. In some embodiments, the contactlessidentifier 612 and/or the contact identifier 614 may provide the ATMmeans of receiving identification from the customer. The customer mayprovide contactless or contact identification means through the ATM. Theidentification means using a contactless or contact identifications maybe provided through several mechanisms, including, but not limited to,biometric identification, laser identification, magnetic stripidentification, barcode identification, radio frequency (RF), acharacter recognition device, a magnetic ink, code readers, wirelesscommunication, debit card scanning, ATM card scanning, and/or the like.The authentication from the contactless identifier of contact identifiermay be read by the ATM application. After the authentication has beenread, the system may provide the authentication to the financialinstitution to authorize an ATM transaction.

In some embodiments, the keypad 604 may provide for identification ofthe customer for use of the ATM. The keypad 604 may provide the customermeans for inputting a pin number identification. In this way, the keypad604 enables the customer to input his pin number into the ATM. In someembodiments, the pin number inputted on the keypad 604 may be read bythe system. After the pin number has been read, the ATM may receive thepin number and provide authentication of the identification with thefinancial institution system.

The display 602 provides a means for displaying information related tothe customer's ATM transaction. Display information may be, but is notlimited to display of interfaces, such as the start-up interface and anATM transaction interface. In some embodiments, the display 602 is atouch screen display module.

It is understood that the servers, systems, and devices described hereinillustrate one embodiment of the invention. It is further understoodthat one or more of the servers, systems, and devices can be combined inother embodiments and still function in the same or similar way as theembodiments described herein.

The system integrates functionality of computer terminals onto usermobile devices for self-generation of denomination resources.Specifically, the system may self-generate digital resources fordistribution and utilization as currency by the recipient in the form ofa token. The user may, utilizing his/her resource distribution account,digitally extract resources to be digitally stored or transmitted to areceiving party for redemption at a later time. The digital resourcewill be treated as a physical resource and are provided based onremoving the resource amount from the user's resource account, and theresource amount of the digital resources are held as pending. The systemallows for these digital resources to be legal tender and anonymous asto the account and the user distributing the digital resources.

Furthermore, in some embodiments, the system may be integrated into anATM. As such, the ATM may be able to self-generate digital resourceswith any denomination that the user requests withdraw from his/herresource account. The ATM may transmit the digital resources wirelessly,via near field communication (NFC), or the like to a user mobile device,third party mobile device, or the like. As such, the user may be able toselect an odd denomination from the ATM and the ATM may generate theamount of the request via the digital resource distribution.

In some embodiments, the resource visibility provides a digitizedresource or cash supply chain monitoring. The invention providesstandards that apply supply chain logistics and tools that entities andfinancial institutions may utilize the cash supply chain without papermanifests or deposit tickets. Instead, the invention has a tag, such asa bar code, QR code, RFID tag, or the like that can be scanned andreconciled against an electronic shipping manifest associated with thecash.

The resource visibility further comprise the ability for user entities,such as commercial customers to create an electronic deposit ticket froma mobile application, scan and ID bag and ultimately integrate withdownstream systems for visualization of the resource deposits anddistributions from the user. In this way, the invention provides a toolfor a single source for users to track deposits status.

FIG. 4A illustrates a centralized database architecture environment 450,in accordance with one embodiment of the present invention. Thecentralized database architecture comprises multiple nodes from one ormore sources and converge into a centralized database. The system, inthis embodiment, may generate a single centralized ledger for datareceived from the various nodes. The single centralized ledger for dataprovides a difficult avenue for allowing access and reviewing a block ofa data as it moves through the various applications.

FIG. 4B provides a general block chain system environment architecture400, in accordance with one embodiment of the present invention. Ratherthan utilizing a centralized database of data for instrument conversion,as discussed above in FIG. 4A, various embodiments of the invention mayuse a decentralized block chain configuration or architecture as shownin FIG. 4B in order to facilitate the validation or failure locationidentification for file transmission. Such a decentralized block chainconfiguration ensures accurate mapping and tagging of blocks within afiles during or after the transmission. Accordingly, a block chainconfiguration may be used to maintain an accurate ledger of files andthe processing of transmission of the files by generation of building ofone or more blocks for each file of the transmission. In this way,building a traceable and trackable historic view of each filetransmission for failure location identification.

A block chain is a distributed database that maintains a list of datablocks, such as real-time resource availability associated with one ormore accounts or the like, the security of which is enhanced by thedistributed nature of the block chain. A block chain typically includesseveral nodes, which may be one or more systems, machines, computers,databases, data stores or the like operably connected with one another.In some cases, each of the nodes or multiple nodes are maintained bydifferent entities. A block chain typically works without a centralrepository or single administrator. One well-known application of ablock chain is the public ledger of transactions for cryptocurrencies.The data blocks recorded in the block chain are enforcedcryptographically and stored on the nodes of the block chain.

A block chain provides numerous advantages over traditional databases. Alarge number of nodes of a block chain may reach a consensus regardingthe validity of a transaction contained on the transaction ledger. Assuch, the status of the instrument and the resources associatedtherewith can be validated and cleared by one participant.

The block chain system typically has two primary types of records. Thefirst type is the transaction type, which consists of the actual datastored in the block chain. The second type is the block type, which arerecords that confirm when and in what sequence certain transactionsbecame recorded as part of the block chain. Transactions are created byparticipants using the block chain in its normal course of business, forexample, when someone sends cryptocurrency to another person, and blocksare created by users known as “miners” who use specializedsoftware/equipment to create blocks. In some embodiments, the blockchain system is closed, as such the number of miners in the currentsystem are known and the system comprises primary sponsors that generateand create the new blocks of the system. As such, any block may beworked on by a primary sponsor. Users of the block chain createtransactions that are passed around to various nodes of the block chain.A “valid” transaction is one that can be validated based on a set ofrules that are defined by the particular system implementing the blockchain. For example, in the case of cryptocurrencies, a valid transactionis one that is digitally signed, spent from a valid digital wallet and,in some cases that meets other criteria.

As mentioned above and referring to FIG. 4B, a block chain system 400 istypically decentralized—meaning that a distributed ledger 402 (i.e., adecentralized ledger) is maintained on multiple nodes 408 of the blockchain 400. One node in the block chain may have a complete or partialcopy of the entire ledger or set of transactions and/or blocks on theblock chain. Transactions are initiated at a node of a block chain andcommunicated to the various nodes of the block chain. Any of the nodescan validate a transaction, add the transaction to its copy of the blockchain, and/or broadcast the transaction, its validation (in the form ofa block) and/or other data to other nodes. This other data may includetime-stamping, such as is used in cryptocurrency block chains. In someembodiments, the nodes 408 of the system might be financial institutionsthat function as gateways for other financial institutions. For example,a credit union might hold the account, but access the distributed systemthrough a sponsor node.

Various other specific-purpose implementations of block chains have beendeveloped. These include distributed domain name management,decentralized crowd-funding, synchronous/asynchronous communication,decentralized real-time ride sharing and even a general purposedeployment of decentralized applications.

FIG. 5 provides a high level process flow illustrating node interactionwithin a block chain system environment architecture 550, in accordancewith one embodiment of the present invention. As illustrated anddiscussed above, the block chain system may comprise at least one ormore nodes used to generate blocks within file transmission fortransmission validation or failure location identification during filetransfers across servers.

In some embodiments, the channel node 554, payments node 556, monitornode 566 or the clearing node 558 may publish a pending transaction 560to the private block chain 552. A pending transaction 560 as used hereinmay refer to a file being transferred with tag to the end of the file.At this stage, the transaction has not yet been validated by the minernode(s) 562, and the other nodes will delay executing their designatedprocesses. The miner node 562 may be configured to detect a pendingtransaction 510 or steps in the process of transmitting the file. Uponverifying the integrity of the data in the pending transaction 560, theminer node 562 validates the transaction and adds the data as atransactional record 564, which is referred to as a block in someembodiments of the application, to the private block chain 552. Once atransaction has been authenticated in this manner, the nodes willconsider the transactional record 564 to be valid and thereafter executetheir designated processes accordingly. The transactional record 564will provide information about what file was just processed andtransmitted through and metadata coded therein for searchability of thetransactional record 564 within a distributed ledger.

In some embodiments, the system may comprise at least one additionalminer node 562. The system may require that pending transactions 560 bevalidated by a plurality of miner nodes 562 before becomingauthenticated blocks on the block chain. In some embodiments, thesystems may impose a minimum threshold number of miner nodes 562 neededto verify each file. The minimum threshold may be selected to strike abalance between the need for data integrity/accuracy versus expediencyof processing. In this way, the efficiency of the computer systemresources may be maximized.

Furthermore, in some embodiments, a plurality of computer systems are inoperative networked communication with one another through a network.The network may be a system specific distributive network receiving anddistributing specific network feeds and identifying specific networkassociated triggers. The network may also be a global area network(GAN), such as the Internet, a wide area network (WAN), a local areanetwork (LAN), or any other type of network or combination of networks.The network may provide for wireline, wireless, or a combinationwireline and wireless communication between devices on the network.

In some embodiments, the computer systems represent the nodes of theprivate block chain, such as the miner node or the like. In such anembodiment, each of the computer systems comprise the private blockchain, providing for decentralized access to the block chain as well asthe ability to use a consensus mechanism to verify the integrity of thedata therein. In some embodiments, an upstream system and a downstreamsystem are further operatively connected to the computer systems andeach other through the network. The upstream system further comprises aprivate ledger and the private block chain. The downstream systemfurther comprises the private block chain and an internal ledger, whichin turn comprises a copy of the private ledger.

In some embodiments, a copy of private block chain may be stored on adurable storage medium within the computer systems or the upstreamsystem or the downstream system. In some embodiments, the durablestorage medium may be RAM. In some embodiments, the durable storagemedium may be a hard drive or flash drive within the system.

The invention comprise a standardized across entity system for theability for user entities, such as commercial customers to create anelectronic deposit ticket from a mobile application, generation of a tagassociated with a bag and identifying the bag, and ultimately integratewith downstream systems for scanning of the tag for visualization ofresource deposits and distributions from the user. In this way, theinvention provides a tool for a single source for users to trackdeposits status and track performance of armored carriers and the like.In this way, the resource visibility system provides a digitizedresource or cash supply chain monitoring network. As such, creating acomplete end-to-end digital fingerprint of where physical currency isduring its life cycle at the bag level. The system may utilize blockchain technology with a distributed ledger to identify each location ofthe bag during the life cycle. This allows for regulatory compliance andtracking of the bags. The invention provides standards that apply supplychain logistics and tools that entities and financial institutions mayutilize without paper manifests or deposit tickets. Instead, theinvention creates a tag, such as a bar code, QR code, RFID tag, or thelike that can be scanned and reconciled against an electronic shippingmanifest within a block chain network associated with the cash within abag. At the end of each day, the system may reconcile the distributedledger.

FIG. 6 provides a detailed process flow illustrating resource visibility100, in accordance with one embodiment of the present invention. Asillustrated in block 102, the process 100 is initiated by identifyingresources for deposit from a user and providing a digital deposit ticketto the user for deposit of the resources. In this way, the user may be acommercial entity providing a deposit to a financial institution. Thedeposit may be a deposit of one or more resources from the user.

Next, as illustrated in block 104, the process 100 continues by taggingresources upon deposit with standardized tagging for supply chainmonitoring. In this way, the system may tag a resource deposit. The tagmay be any type of tag such as a barcode, RFID, QR code, or the likeproviding a unique identifier of the resources. In some embodiments, thetag may be a uniform communication language for resources acrossentities. Furthermore, the deposit may generate a block on the blockchain for tracking of the blocks of the deposit via a distributed ledgerbased on blocks being added at each location along the end-to-endprocessing of the deposit.

As illustrated in block 106, the process 100 continues by creating aresource batch, such as a bag of cash from an ATM, or the like, thatincludes an electronic shipping manifest for the batch and includes anidentification of each individual resource tag associated with each ofthe one or more resources within the batch that has a tag associatedtherewith.

The system may provide an interactive tool to a user for access to andvisualization of the resources and supply chain associated with theresources for tracking each step of the resource along the supply chain,as illustrated in block 108. In this way, the supply chain location ofthe resources may be transmitted to the user, financial institution,regulatory institution, or the like via the interactive tool providedfor the monitoring of the resource distribution, as illustrated in block110. Finally, as illustrated in block 112, the process 100 is completedby providing an end-to-end monitoring of the resources via a digitaldeposit ticket provided to the user.

FIG. 7 provides a detailed process flow illustrating end-to-end resourcetracking 300, in accordance with one embodiment of the presentinvention. As illustrated in block 302, the process 300 is initiated bygenerating a block chain distributed network for end-to-end resourcetracking and providing an interactive tool associated with thedistributed network to authorized users. In this way, the invention setsup a private block chain for monitoring the end-to-end transmission ofphysical cash as it moves from a location through armored vehicles to avault, or the like and monitors the physical cash at each touch-pointfor end-to-end identification of the location of the physical cash andprocessing stage.

Next, as illustrated in block 304, the process 300 continues by taggingresources upon deposition with standardized tags for supply chainmonitoring via the distributed ledger and initiation of a block beingadded to the distributed ledger associated with the tag. In this way,once physical cash is placed in a bag for transportation, a tag may beplaced on the bag. The tag may be a standardized coded tag for scanningand identification of a location and contents of the bag. As such, uponscanning, the system recognizes the new tag and transmits theinformation about the bag, such as an amount, location, destination, andthe like, to the block chain.

As illustrated in block 306, the process 300 continues by identifyingand creating a block on the distributed ledger for each scan of the tagon the physical cash bag along the supply chain. In this way, at eachlocation along the supply chain, the back may be scanned. Each time thebag is scanned, the system identifies the tag associated with the bag,identifies the scanner, identifies the time, identifies the location onthe supply chain, and posts this information to the block chain forauthorized user visualization. As illustrated in block 308, the systemallows for authorized user access to the distributed ledger forreal-time location confirmation and end of day reconciliation.

Finally, as illustrated in block 310, the process 300 is completed byallowing for end of day reconciliation of the distributed ledger anddistribution of resource deposits for regulatory satisfaction.

Using this system, the invention is able to monitor the physical cash ateach touch-point for end-to-end identification of the location of thephysical cash and processing stage. As such, the invention provides forregulatory compliance satisfaction, physical cash settlement andreconciliation, and for identification of locations across a lifecycleassociated with processing delays or soft points.

FIG. 8 provides a process map illustrating a lifecycle for resourcevisibility 700, in accordance with one embodiment of the presentinvention. As illustrated the financial institutions may include entityprovided resource distribution or deposit locations such as a financialcenter or an ATM. Furthermore, the commercial entities, such as thecommercial customer may provide treasury clients. The resources may bedistributed to a carrier, such as an armored carrier or the like andtransmitted to the vault. The resources may further be transferred tothe federal reserve network. In this way, the resource visibilitycomprise the ability for user entities, such as commercial customers tocreate an electronic deposit ticket from a mobile application, scan andID bag and ultimately integrate with downstream systems forvisualization of the resource deposits and distributions from the user.In this way, the invention provides a tool for a single source for usersto track deposits status.

FIG. 9 provides a process map illustrating inputs for resourcevisibility 800, in accordance with one embodiment of the presentinvention. As illustrated in block 801, the process 800 is initiated bycreating a store deposit. The process 800 then continues by tracking thetransportation of the resources, as illustrated in block 802. Next, asillustrated in block 803, the system may track the resources in thevault and finally, verify the posting of the resource distribution asillustrated in block 804. All of the steps of the process 800 aretransmitted to a centralized data service including a web portal, mobileaccess, and file transmission for the process.

In some embodiments, a safe resource recycler system may furthercomprise an entity provided provisional credit of resources foraffiliate entities. In this way, the system may provide a safe resourcefor an entity that may have cash from a large deposit, purchase, or thelike and not be able to distribute the cash to the financialinstitution. In this way, the system may confirm the cash and providethe entity with a tool to give credit to the entity for the cash theyhave, but have not deposited. The system thus allows the entity tomanage internal cash before the funds are in control of the financialinstitution.

As illustrated in FIG. 9, entities have the ability to enter depositsdirectly into the system and the ability to scan deposit bag numbersfrom a mobile application that interfaces with the system. In otherembodiments, the system may link to armored vehicles to provideinformation upon receipt and scan of resources to financial institutionsand along the supply chain.

In some embodiments, the system becomes the system of record for digitaldeposits, real-time deposit tracking, self-service issue resolution,administration of deposit instructions, and completes the existing userexperience to include resources and to enhance visibility of resourceflow forecast, financial institution reconciliation and reporting.

As illustrated, each of the entity, transportation, vault, and financialinstitution have direct access to the system that comprises a webportal, mobile access, and file transmission for payments and receipts,information reporting and reconciliation, and cash management ofliquidity solutions.

FIG. 10 provides a process map illustrating an entity resource exchangesystem 900, in accordance with one embodiment of the present invention.As illustrated in block 902, the process 900 is initiated by generatinga private communication link between financial institutions for resourceexchange between ATMs, branches, or the like. Once the communicationchannel is created and each financial institution within the system hasaccess to a tool or portal, the system may allow for financialinstitution posting of resource availability or needs, as illustrated inblock 904.

Next, as illustrated in block 906, the process 900 continues by linkingthe financial institutions for the resource exchange. This linkage isgenerated within a portal for distribution of resources acrossparticipating financial institutions. As illustrated in block 908, thesystem may identify a match between two financial institutions that eachhave a need for resource denominations that the other has. As such, thesystem may identify a match between two institutions for a resourceexchange to occur between those two institutions. Next, the system mayauthorize transmission of the resources across the financialinstitutions, as illustrated in block 910. In this way, a vehicle maydeliver cash in various requested denominations between two financialinstitutions based on the needs or requests from those institutions.Finally, as illustrated in block 912, the process 900 is completed byperforming back-end settlement of the resource transmission forcompletion of the process.

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as an apparatus (including, for example, asystem, a machine, a device, a computer program product, and/or thelike), as a method (including, for example, a business process, acomputer-implemented process, and/or the like), or as any combination ofthe foregoing. Accordingly, embodiments of the present invention maytake the form of an entirely software embodiment (including firmware,resident software, micro-code, and the like), an entirely hardwareembodiment, or an embodiment combining software and hardware aspectsthat may generally be referred to herein as a “system.” Furthermore,embodiments of the present invention may take the form of a computerprogram product that includes a computer-readable storage medium havingcomputer-executable program code portions stored therein. As usedherein, a processor may be “configured to” perform a certain function ina variety of ways, including, for example, by having one or morespecial-purpose circuits perform the functions by executing one or morecomputer-executable program code portions embodied in acomputer-readable medium, and/or having one or more application-specificcircuits perform the function. As such, once the software and/orhardware of the claimed invention is implemented the computer device andapplication-specific circuits associated therewith are deemedspecialized computer devices capable of improving technology associatedwith the in authorization and instant integration of a new credit cardto digital wallets.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, infrared, electromagnetic, and/orsemiconductor system, apparatus, and/or device. For example, in someembodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as apropagation signal including computer-executable program code portionsembodied therein.

It will also be understood that one or more computer-executable programcode portions for carrying out the specialized operations of the presentinvention may be required on the specialized computer includeobject-oriented, scripted, and/or unscripted programming languages, suchas, for example, Java, Perl, Smalltalk, C++, SAS, SQL, Python, ObjectiveC, and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F #.

It will further be understood that some embodiments of the presentinvention are described herein with reference to flowchart illustrationsand/or block diagrams of systems, methods, and/or computer programproducts. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a special purpose computer for theauthorization and instant integration of credit cards to a digitalwallet, and/or some other programmable data processing apparatus inorder to produce a particular machine, such that the one or morecomputer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

It will also be understood that the one or more computer-executableprogram code portions may be stored in a transitory or non-transitorycomputer-readable medium (e.g., a memory, and the like) that can directa computer and/or other programmable data processing apparatus tofunction in a particular manner, such that the computer-executableprogram code portions stored in the computer-readable medium produce anarticle of manufacture, including instruction mechanisms which implementthe steps and/or functions specified in the flowchart(s) and/or blockdiagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with operator and/orhuman-implemented steps in order to carry out an embodiment of thepresent invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for an end-to-end distributed networktag, the system comprising: a memory device with computer-readableprogram code stored thereon; a communication device; a processing deviceoperatively coupled to the memory device and the communication device,wherein the processing device is configured to execute thecomputer-readable program code to: authorize a user for access to aplatform tool for resource life cycle monitoring, wherein the platformtool displays data from a distributed network for touch pointidentification of the resource life cycle; identify deployment of a tagon a resource set, wherein the tag is a standardized scannable tag,wherein upon initial deployment the tag transmits resource informationassociated with the resource set to the distributed network; receivescanning confirmation from the tag, wherein the scanning occurs at oneor more of the touch points across the resource life cycle; generate ablock for the touch point based on the scanning confirmation, whereinthe block is added to the distributed ledger for the resource life cyclemonitoring and comprises updated resource information associated withthe resource set; and complete resource life cycle monitoring upon finaldistribution of resources from the resource set.
 2. The system of claim1, wherein resource life cycle monitoring of the resource set comprisingphysical currency at each of the touch points for an end-to-endidentification of a location of the physical currency and processingstage of the physical currency.
 3. The system of claim 1, furthercomprising providing regulatory compliance satisfaction materials viathe platform tool and transmit the regulator compliance satisfactionmaterials to the authorized user.
 4. The system of claim 1, furthercomprising gathering of the resource life cycle monitoring of multipletags for identification of processing delay or soft point trends inmultiple resource sets end-to-end life cycle.
 5. The system of claim 1,wherein the tag comprises sensors for transmission of data upon beingscanned at a touch point along the resource life cycle.
 6. The system ofclaim 1, wherein the resource set is a set of multiple physical currencyfrom one or more owners within a bag.
 7. The system of claim 1, whereinthe distributed network is a private distributed block chain network formonitoring touch points across the resource set end-to-end of theresource life cycle.
 8. The system of claim 1, wherein the standardizedscannable tag is physically affixed to the resource set, wherein theresource set comprises physical currency.
 9. A computer program productfor an end-to-end distributed network tag, the computer program productcomprising at least one non-transitory computer-readable medium havingcomputer-readable program code portions embodied therein, thecomputer-readable program code portions comprising: an executableportion configured for authorizing a user for access to a platform toolfor resource life cycle monitoring, wherein the platform tool displaysdata from a distributed network for touch point identification of theresource life cycle; an executable portion configured for identifyingdeployment of a tag on a resource set, wherein the tag is a standardizedscannable tag, wherein upon initial deployment the tag transmitsresource information associated with the resource set to the distributednetwork; an executable portion configured for receiving scanningconfirmation from the tag, wherein the scanning occurs at one or more ofthe touch points across the resource life cycle; an executable portionconfigured for generating a block for the touch point based on thescanning confirmation, wherein the block is added to the distributedledger for the resource life cycle monitoring and comprises updatedresource information associated with the resource set; and an executableportion configured for completing resource life cycle monitoring uponfinal distribution of resources from the resource set.
 10. The computerprogram product of claim 9, wherein resource life cycle monitoring ofthe resource set comprising physical currency at each of the touchpoints for an end-to-end identification of a location of the physicalcurrency and processing stage of the physical currency.
 11. The computerprogram product of claim 9, further comprising an executable portionconfigured for providing regulatory compliance satisfaction materialsvia the platform tool and transmit the regulator compliance satisfactionmaterials to the authorized user.
 12. The computer program product ofclaim 9, further comprising an executable portion configured forgathering of the resource life cycle monitoring of multiple tags foridentification of processing delay or soft point trends in multipleresource sets end-to-end life cycle.
 13. The computer program product ofclaim 9, wherein the tag comprises sensors for transmission of data uponbeing scanned at a touch point along the resource life cycle and isphysically affixed to the resource set.
 14. The computer program productof claim 9, wherein the distributed network is a private distributedblock chain network for monitoring touch points across the resource setend-to-end of the resource life cycle.
 15. A computer-implemented methodfor an end-to-end distributed network tag, the method comprising:providing a computing system comprising a computer processing device anda non-transitory computer readable medium, where the computer readablemedium comprises configured computer program instruction code, such thatwhen said instruction code is operated by said computer processingdevice, said computer processing device performs the followingoperations: authorizing a user for access to a platform tool forresource life cycle monitoring, wherein the platform tool displays datafrom a distributed network for touch point identification of theresource life cycle; identifying deployment of a tag on a resource set,wherein the tag is a standardized scannable tag, wherein upon initialdeployment the tag transmits resource information associated with theresource set to the distributed network; receiving scanning confirmationfrom the tag, wherein the scanning occurs at one or more of the touchpoints across the resource life cycle; generating a block for the touchpoint based on the scanning confirmation, wherein the block is added tothe distributed ledger for the resource life cycle monitoring andcomprises updated resource information associated with the resource set;and completing resource life cycle monitoring upon final distribution ofresources from the resource set.
 16. The computer-implemented method ofclaim 15, wherein resource life cycle monitoring of the resource setcomprising physical currency at each of the touch points for anend-to-end identification of a location of the physical currency andprocessing stage of the physical currency.
 17. The computer-implementedmethod of claim 15, further comprising providing regulatory compliancesatisfaction materials via the platform tool and transmit the regulatorcompliance satisfaction materials to the authorized user.
 18. Thecomputer-implemented method of claim 15, further comprising gathering ofthe resource life cycle monitoring of multiple tags for identificationof processing delay or soft point trends in multiple resource setsend-to-end life cycle.
 19. The computer-implemented method of claim 15,wherein the tag comprises sensors for transmission of data upon beingscanned at a touch point along the resource life cycle and is physicallyaffixed to the resource set.
 20. The computer-implemented method ofclaim 15, wherein the distributed network is a private distributed blockchain network for monitoring touch points across the resource setend-to-end of the resource life cycle.